Workers Compensation Loss Cost Multipliers

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Company Loss Cost Multiplier Effective Date Previous LCM
 Acadia Insurance Company  1.075  January 1, 2022  1.123
 Acceptance Indemnity Insurance Company  1.270  April 1, 2001  1.230
 Accident Fund General Insurance Company  2.200  January 1, 2025  2.030
 Accident Fund Insurance Company of America  1.580  January 1, 2025  1.550
 Accident Fund National Insurance Company  1.180  January 1, 2025  1.150
 Accredited Surety and Casualty Company, Inc.  1.395  January 1, 2020  N/A
 ACE American Insurance Company  1.000  January 1, 2025  1.300
 ACE Fire Underwriters Insurance Company  0.850  January 1, 2025  1.105
 ACE Property and Casualty Insurance Company  2.241  January 1, 2025  1.390
 ACIG Insurance Company  1.300  January 1, 2025  1.320
 ACUITY, a Mutual Insurance Company  1.450  January 1, 2024  1.517
 Addison Insurance Company  1.935  January 1, 2026  1.900
 AIG Assurance Company  1.291  January 1, 2022  1.361
 AIG Property Casualty Company  1.850  January 1, 2022  1.950
 AIU Insurance Company  1.119  January 1, 2022  1.179
 Alaska National Insurance Company  1.500  September 1, 2025  1.340
 Alea North America Insurance Company  1.530  March 1, 2006  1.500
 Allianz Global Risks US Insurance Company  1.540  November 1, 1995  N/A
 Allied Property and Casualty Insurance Company  1.328  January 1, 2023  2.357
 Allied World Insurance Company  1.049  October 1, 1998  N/A
 Allmerica Financial Alliance Insurance Company  1.950  January 1, 2023  N/A
 Allmerica Financial Benefit Insurance Company  1.090  January 1, 2023  N/A
 Allstate Indemnity Company  1.404  November 21, 1995  N/A
 Allstate Insurance Company  1.404  November 21, 1995  N/A
 Allstate Northbrook Indemnity Company  1.404  November 21, 1995  N/A
 AMCO Insurance Company  1.766  January 1, 2023  2.170
 American Alternative Insurance Corporation  1.504  January 1, 2013  1.500
 American Automobile Insurance Company  1.466  January 1, 2024  1.478
 American Business & Personal Insurance Mutual, Inc.  1.724  January 1, 2022  1.868
 American Casualty Company of Reading Pennsylvania  1.344  January 1, 2024  1.287
 American Compensation Insurance Company  2.450  January 1, 2024  2.360
 American Economy Insurance Company  1.967  January 1, 2016  1.710
 American Family Home Insurance Company  1.128  January 1, 2013  N/A
 American Family Insurance Company  1.350  January 1, 2022  1.392
 American Family Mutual Insurance Company, S.I.  1.850  January 1, 2022  1.800
 American Fire and Casualty Company  1.350  February 1, 2025  1.450
 American Guarantee and Liability Insurance Company  1.269  January 1, 2022  1.403
 American Home Assurance Company  1.592  January 1, 2022  1.361
 American Interstate Insurance Company  1.750  May 1, 2013  1.400
 American Interstate Insurance Company of Texas  1.400  January 1, 2024  N/A
 American Liberty Insurance Company, Inc.  1.480  January 1, 2025  N/A
 American Modern Home Insurance Company  1.700  January 1, 2013  N/A
 American National Property and Casualty Company  1.660  January 1, 2025  1.289
 American Property Insurance Company  1.350  September 8, 1999  N/A
 American Select Insurance Company  1.814  January 1, 2022  1.602
 American Sentinel Insurance Company  1.650  September 1, 2016  N/A
 American States Insurance Company  2.182  January 1, 2016  1.897
 American Summit Insurance Company  1.458  January 1, 2026  N/A
 American Zurich Insurance Company  1.045  January 1, 2022  1.155
 Amerisure Insurance Company  1.470  January 1, 2024  1.410
 Amerisure Mutual Insurance Company  2.058  January 1, 2024  1.880
 Amerisure Partners Insurance Company  1.060  January 1, 2017  1.000
 AmGUARD Insurance Company  1.590  January 1, 2024  1.515
 AmTrust Insurance Company  1.500  January 1, 2025  1.420
 Arch Insurance Company  1.640  October 1, 2003  N/A
 Arch Property Casualty Insurance Company  2.050  July 1, 2020  N/A
 Argonaut Great Central Insurance Company  1.600  January 1, 2011  1.520
 Argonaut Insurance Company  1.408  January 1, 2003  1.223
 Argonaut-Midwest Insurance Company  1.267  January 1, 2003  0.970
 Arrowood Indemnity Company  1.266  January 1, 2003  1.183
 Ascot Insurance Company  1.600  May 1, 2022  1.450
 Ashmere Insurance Company  1.530  March 1, 2005  N/A
 Association Casualty Insurance Company  1.925  January 1, 2023  2.196
 Atlantic Specialty Insurance Company  1.218  January 1, 202  1.410
 Austin Mutual Insurance Company  1.380  November 7, 1995  N/A
 Auto-Owners Insurance Co.  1.485  January 1, 2025  1.500
 Automobile Insurance Company of Hartford, CT  1.540  January 1, 1996  N/A
 Axis Insurance Company  1.622  February 1, 2001  1.330
 Bankers Standard Insurance Company  2.739  January 1, 2025  1.807
 BCS Insurance Company  1.360  November 1, 2011  N/A
 Bearing Midwest Casualty Company  1.898  January 1, 2025  1.810
 Bedivere Insurance Company  1.530  July 1, 2009  1.450
 Benchmark Insurance Company  1.480  January 1, 2025  1.430
 Berkley Casualty Company  1.710  January 1, 2022  1.490
 Berkley National Insurance Company  1.100  January 1, 2022  0.750
 Berkley Regional Insurance Company  1.910  January 1, 2022  1.300
 Berkshire Hathaway Direct Insurance Company  1.403  January 1, 2025  1.310
 Berkshire Hathaway Homestate Insurance Company  1.553  January 1, 2022  1.390
 BITCO General Insurance Corporation  1.700  January 1, 2021  1.409
 BITCO National Insurance Company  1.275  January 1, 2021  1.057
 Blackboard Insurance Company  1.254  January 1, 2005  1.484
 Bloomington Compensation Insurance Company  1.020  January 1, 2024  0.960
 BrickStreet Mutual Insurance Company  1.420  January 1, 2016  N/A
 Brotherhood Mutual Insurance Company  1.529  January 1, 2024  1.466
 Bureau Veritas Inspection and Insurance Company  1.329  November 1, 1995  N/A
 California Insurance Company  1.321  March 1, 2016  1.500
 Carolina Casualty Insurance Company  1.860  January 1, 2022  1.700
 Castlepoint National Insurance Company  1.660  February 1, 2007  N/A
 Cedar Insurance Company  1.380  August 31, 2024  N/A
 Centre Insurance Company  1.005  September 1, 1997  1.139
 Century Indemnity Company  1.679  January 1, 1996  N/A
 Cerity Insurance Company  1.250  January 1, 2022  N/A
 Charter Oak Fire Insurance Company, The  1.763  January 1, 2025  1.739
 Cherokee Insurance Company  1.380  January 1, 2007  N/A
 Chiron Insurance Company  2.248  January 1, 2025  1.898
 Chubb Indemnity Insurance Company  1.743  January 1, 2025  1.494
 Chubb National Insurance Company  0.850  January 1, 2025  0.822
 Church Mutual Insurance Company, S.I.  1.968  January 1, 2026  1.868
 CIMARRON INSURANCE COMPANY, INC.  1.410  June 1, 2021  N/A
 Cincinnati Casualty Company, The  1.525  January 1, 2023  1.590
 Cincinnati Indemnity Company, The  1.906  January 1, 2023  1.870
 Cincinnati Insurance Company, The  1.144  January 1, 2023  1.431
 Citizens Insurance Company of America  1.400  January 1, 2023  1.300
 City National Insurance Company  1.420  June 15, 2010  N/A
 Clarendon National Insurance Company  1.350  January 1, 1999  1.190
 Clear Spring Property and Casualty Company  1.770  January 1, 2026  1.620
 Clermont Insurance Company  1.357  January 1, 2002  1.257
 Colonial American Casualty and Surety Company  1.269  January 1, 2022  1.403
 Colonial Surety Company  1.420  January 1, 2022  N/A
 Columbia Mutual Insurance Company  1.535  January 1, 2023  1.796
 Columbia National Insurance Company  1.150  January 1, 2023  1.427
 Commerce and Industry Insurance Company  1.979  January 1, 2022  2.086
 Continental Casualty Company  3.136  January 1, 2024  2.772
 Continental Indemnity Company  1.500  January 1, 2011  1.450
 Continental Insurance Company, The  0.952  January 1, 2024  0.959
 Continental Western Insurance Company  2.100  January 1, 2022  1.401
 CopperPoint Casualty Insurance Company  1.800  April 1, 2025  N/A
 CopperPoint Premier Insurance Company  1.200  April 1, 2025  N/A
 CorePointe Insurance Company  1.300  January 1, 2025  1.230
 Country Mutual Insurance Company  1.578  June 1, 2026  N/A
 Crestbrook Insurance Company  2.275  January 1, 2026  2.159
 Crum & Forster Indemnity Company  1.888  January 1, 2020  1.707
 CUMIS Insurance Society, Inc.  1.500  January 1, 2006  1.430
 Dakota Truck Underwriters  1.720  January 1, 2025  1.500
 Depositors Insurance Company  2.357  January 1, 2023  2.357
 Diamond Insurance Company  1.650  January 1, 2022  1.550
 Diamond State Insurance Company  1.630  June 15, 2010  N/A
 Discover Property & Casualty Insurance Company  1.485  September 1, 2009  1.454
 EastGUARD Insurance Company  1.400  January 1, 2024  1.355
 Electric Insurance Company  1.055  October 1, 2018  1.088
 EMC Property and Casualty Company  2.400  January 1, 2025  2.400
 EMCASCO Insurance Company  1.630  January 1, 2025  1.630
 Employers Assurance Company  1.400  January 1, 2020  1.500
 Employers Compensation Insurance Company  1.600  January 1, 2020  N/A
 Employers Insurance Company of Wausau  2.740  January 1, 2023  1.734
 Employers Mutual Casualty Company  1.920  January 1, 2025  1.920
 Employers Preferred Insurance Company  1.200  January 1, 2020  1.300
 Esurance Insurance Company of New Jersey  1.332  January 1, 2001  1.251
 Everest Denali Insurance Company  1.200  January 1, 2025  1.769
 Everest National Insurance Company  1.000  January 1, 2025  1.474
 Everest Premier Insurance Company  0.800  January 1, 2025  1.179
 Executive Risk Indemnity Inc.  1.300  January 1, 2025  1.300
 Falls Lake National Insurance Company  1.560  January 1, 2023  1.650
 Farm Bureau Property & Casualty Insurance Company  1.100  January 1, 2026  1.497
 Farmers Insurance Exchange  2.0317  January 1, 2026  2.032
 Farmington Casualty Company  0.814  January 1, 2025  0.869
 Federal Insurance Company  2.490  January 1, 2025  1.773
 Federated Mutual Insurance Company  1.094  September 1, 2023  1.576
 Federated Reserve Insurance Company  1.891  January 1, 2023  1.418
 Federated Rural Electric Insurance Exchange  1.390  January 1, 2023  1.360
 Federated Service Insurance Company  1.340  January 1, 2023  1.891
 Fidelity and Deposit Company of Maryland  1.493  January 1, 2022  1.650
 Fidelity and Guaranty Insurance Company  1.080  September 1, 2009  1.020
 Fidelity and Guaranty Insurance Underwriters, Inc.  1.215  September 1, 2009  1.190
 Fire Insurance Exchange  1.370  January 1, 2022  N/A
 Fireman's Fund Insurance Company  1.100  January 1, 2024  1.109
 Firemen's Insurance Company of Washington, D.C.  1.680  January 1, 2022  1.121
 First Dakota Indemnity Company  1.500  January 1, 2026  1.440
 First Liberty Insurance Corporation, The  1.388  January 1, 2022  2.100
 First National Insurance Company of America  2.276  January 1, 2016  2.088
 FirstComp Insurance Company  1.450  January 1, 2022  1.650
 Florists' Mutual Insurance Company  1.620  January 1, 2023  1.588
 Foremost Insurance Company Grand Rapids, Michigan  1.462  January 1, 2016  1.389
 Foremost Property and Casualty Insurance Company  2.202  January 1, 2016  2.092
 Foremost Signature Insurance Company  1.835  January 1, 2016  1.740
 Frank Winston Crum Insurance Company  1.316  January 1, 2022  1.316
 Freedom Specialty Insurance Company  1.616  January 1, 2026  1.182
 General Casualty Company of Wisconsin  1.805  January 1, 2025  1.805
 General Casualty Insurance Company  1.970  January 1, 2022  1.970
 General Insurance Company of America  2.334  January 1, 2016  2.084
 Genesis Insurance Company  1.226  March 11, 1999  1.133
 Goodville Mutual Casualty Company  1.600  January 1, 2022  N/A
 Grain Dealers Mutual Insurance Company  1.493  January 1, 2001  1.507
 Granite State Insurance Company  2.151  January 1, 2022  2.268
 Graphic Arts Mutual Insurance Company  1.397  July 1, 2000  1.379
 Gray Insurance Company, The  1.575  September 12, 2016  1.310
 Great American Alliance Insurance Company  1.440  January 1, 2026  1.380
 Great American Assurance Company  1.890  January 1, 2026  1.820
 Great American Insurance Company  1.620  January 1, 2026  1.560
 Great American Insurance Company of New York  1.610  January 1, 2021  1.580
 Great American Spirit Insurance Company  1.800  January 1, 2026  1.730
 Great Divide Insurance Company  1.438  February 2, 2005  N/A
 Great Northern Insurance Company  2.366  January 1, 2025  2.116
 Great West Casualty Company  1.635  January 1, 2022  1.786
 Greater New York Mutual Insurance Company  1.580  January 1, 1996  N/A
 Greenwich Insurance Company  1.639  January 1, 2019  1.587
 GuideOne Elite Insurance Company  1.138  January 1, 2022  1.044
 GuideOne Insurance Company  1.422  January 1, 2022  1.305
 GuideOne Specialty Insurance Company  1.778  January 1, 2022  1.713
 Hanover American Insurance Company, The  1.270  January 1, 2023  1.210
 Hanover Insurance Company, The  1.750  January 1, 2023  1.270
 Harco National Insurance Company  1.500  January 1, 2011  1.330
 Harleysville Insurance Company  1.600  January 1, 2022  1.342
 Hartford Accident and Indemnity Company  1.391  January 1, 2023  1.344
 Hartford Casualty Insurance Company  2.830  January 1, 2023  2.688
 Hartford Fire Insurance Company  2.086  January 1, 2023  2.016
 Hartford Insurance Company of Illinois  0.899  January 1, 2023  0.900
 Hartford Insurance Company of the Midwest  1.854  January 1, 2023  1.792
 Hartford Insurance Company of the Southeast  0.809  January 1, 2023  0.811
 Hartford Underwriters Insurance Company  2.598  January 1, 2023  2.277
 Hawkeye-Security Insurance Company  2.180  January 1, 2016  1.845
 HDI Global Insurance Company  2.529  January 1, 2023  2.268
 Horizon Midwest Casualty Company  1.284  January 1, 2025  1.220
 Illinois Casualty Company  1.450  January 1, 2026  1.500
 Illinois EMCASCO Insurance Company   1.290   January 1, 2026   N/A
 Illinois National Insurance Company  1.721  January 1, 2022  1.814
 Imperium Insurance Company  1.499  October 15, 2011  N/A
 Indemnity Insurance Company of North America  0.750  January 1, 2025  0.975
 Indiana Lumbermens Mutual Insurance Company  1.050  March 1, 2007  1.300
 Insurance Company of North America  1.300  January 1, 2025  1.390
 Insurance Company of the State of Pennsylvania, The  1.721  January 1, 2022  1.814
 Insurance Company of the West  1.450  January 1, 2025  1.200
 Intrepid Insurance Company  1.450  November 1, 2022  1.317
 Key Risk Insurance Company  1.710  January 1, 2022  N/A
 Liberty Insurance Corporation  1.350  January 1, 2023  0.925
 Liberty Mutual Fire Insurance Company  1.750  January 1, 2023  1.156
 Liberty Mutual Insurance Company  2.740  January 1, 2023  1.734
 LM Insurance Corporation  0.811  January 1, 2023  0.562
 Lumbermen's Underwriting Alliance  1.618  January 1, 2015  1.633
 MAG Mutual Insurance Company  1.500  January 1, 2026  1.604
 Manufacturers Alliance Insurance Company  1.726  January 1, 2026  1.615
 Markel American Insurance Company  1.800  January 1, 2022  N/A
 Markel Insurance Company  1.250  January 1, 2022  1.350
 Massachusetts Bay Insurance Company  1.550  January 1, 2023  1.400
 MEM Mutual Insurance Company  1.689  January 1, 2026  1.688
 MEM Protect Insurance Company  1.220  January 1, 2026  1.197
 MEM Secure Insurance Company  0.872  January 1, 2026  0.855
 MEM Shield Insurance Company  2.440  January 1, 2026  2.394
 MEMIC Casualty Company  1.620  September 1, 2025  N/A
 MEMIC Indemnity Company  1.330  January 1, 2022  1.400
 Meridian Security Insurance Company  1.255  January 1, 2024  1.185
 Michigan Millers Mutual Insurance Company  1.510  January 1, 2012  1.585
 Mid-Century Insurance Company  1.3  January 1, 2026  1.304
 Middlesex Insurance Company  1.440  January 1, 2023  1.380
 Midvale Indemnity Company  1.830  January 1, 2026  1.740
 Midwest Employers Casualty Company  1.400  January 1, 2022  1.490
 Midwest Family Mutual Insurance Company  1.450  July 27, 2011  N/A
 Midwest Insurance Company  1.410  January 1, 2022  1.360
 Midwestern Indemnity Company, The  1.831  January 1, 2016  1.550
 Milford Casualty Insurance Company  1.800  January 1, 2025  1.710
 Mitsui Sumitomo Insurance Company of America  1.481  January 1, 2025  1.445
 Mitsui Sumitomo Insurance USA Inc.  1.704  January 1, 0202  1.662
 Motorists Commercial Mutual Insurance Company  1.355  January 1, 1996  N/A
 National American Insurance Company  1.370 April 1, 2026  1.300
 National Casualty Company  1.766  January 1, 2026  1.650
 National Farmers Union Property and Casualty Company  1.800  March 1, 2004  1.700
 National Fire Insurance Company of Hartford  2.240  January 1, 2024  2.240
 National Interstate Insurance Company  1.265  January 1, 2025  1.150
 National Liability & Fire Insurance Company  1.762  January 1, 2025  1.645
 National Specialty Insurance Company  1.830  March 1, 2026  1.760
 National Summit Insurance Company  2.037  January 1, 2026  N/A
 National Surety Corporation  1.246  January 1, 2024  1.256
 National Union Fire Insurance Company of Pittsburgh, PA  1.721  January 1, 2022  1.814
 Nationwide Agribusiness Insurance Company  1.750  January 1, 2026  1.847
 Nationwide Assurance Company  1.275  January 1, 2023  1.240
 Nationwide General Insurance Company  0.992  January 1, 2023  N/A
 Nationwide Insurance Company of America  2.750  January 1, 2023  2.422
 Nationwide Mutual Insurance Company  2.095  January 1, 2023  1.938
 Nationwide Property and Casualty Insurance Company  1.607  January 1, 2023  1.550
 Netherlands Insurance Company, The  1.526  January 1, 2016  1.292
 New Hampshire Insurance Company  1.463  January 1, 2022  1.542
 New York Marine and General Insurance Company  1.600  January 1, 2022  N/A
 Next Insurance US Company  1.430  June 6, 2022  N/A
 NorGUARD Insurance Company  1.665  January 1, 2024  1.635
 North Pointe Insurance Company  1.290  January 1, 2025  1.470
 North River Insurance Company, The  1.314  January 1, 2020  1.187
 NorthStone Insurance Company  1.650  January 1, 2016  N/A
 Nova Casualty Company  1.570  January 1, 2022  1.410
 Oak River Insurance Company  1.398  January 1, 2022  1.419
 OBI America Insurance Company  1.408  January 1, 2026  1.629
 OBI National Insurance Company  1.642  January 1, 2026  1.900
 Ohio Casualty Insurance Company  3.320  January 1, 2022  3.167
 Ohio Security Insurance Company  1.625  January 1, 2022  1.580
 Old Glory Insurance Company  1.430  June 24, 2016  N/A
 Old Guard Insurance Company  1.628  July 15, 2021  N/A
 Old Republic General Insurance Corporation  1.250  January 1, 2022  1.480
 Old Republic Insurance Company  1.480  January 1, 2006  1.400
 Omaha National Insurance Company  1.456  January 1, 2024  N/A
 Owners Insurance Company  1.485  January 1, 2025  1.580
 Pacific Compensation Insurance Company  1.500  March 1, 2025  N/A
 Pacific Employers Insurance Company  1.619  January 1, 2025  1.598
 Pacific Indemnity Company  2.117  January 1, 2025  2.177
 Pan American Casualty Company  1.750  September 15, 2005  N/A
 Peerless Indemnity Insurance Company  2.470  January 1, 2016  2.091
 Peerless Insurance Company  1.756  January 1, 2016  1.486
 Penn Millers Insurance Company  3.222  January 1, 2024  3.030
 Penn-America Insurance Company  1.710  June 15, 2010  N/A
 Pennsylvania Insurance Company  1.108  September 1, 2001  1.040
 Pennsylvania Manufacturers Indemnity Company  1.352  January 1, 2026  1.405
 Pennsylvania Manufacturers' Association Insurance Company  1.502  January 1, 2026  1.405
 Pennsylvania National Mutual Casualty Insurance Company  1.301  November 1, 1995  N/A
 Petroleum Casualty Company  1.127  January 1, 1996  N/A
 Pharmacists Mutual Insurance Company  1.450  January 1, 2025  1.300
 Phoenix Insurance Company, The  1.966  January 1, 2025  1.884
 Pie Insurance Company, The  0.964  May 15, 2023  1.640
 PinnaclePoint Insurance Company  2.000  January 1, 2016  N/A
 Platte River Insurance Company  1.050  May 13, 1999  N/A
 Plaza Insurance Company  1.440  January 1, 2023  1.360
 Praetorian Insurance Company  1.720  January 1, 2025  1.720
 Preferred Employers Insurance Company  1.320  January 1, 2022  N/A
 Preferred Professional Insurance Company  1.226  November 29, 2007  1.526
 Premier Group Insurance Company  1.577  January 1, 2010  1.451
 Previsor Insurance Company  1.708  January 1, 2026  1.676
 Pride National Insurance Company  1.300  January 1, 1996  N/A
 Property and Casualty Insurance Company of Hartford  1.205  January 1, 2023  1.165
 Protective Insurance Company  2.305  January 1, 2025  2.227
 Providence Washington Insurance Company  1.420  November 1, 1995  N/A
 QBE Insurance Corporation  2.045  January 1, 2025  1.970
 Red Rock Insurance Company  1.400  January 1, 2011  1.300
 Redwood Fire and Casualty Insurance Company  1.864  January 1, 2022  N/A
 Regent Insurance Company  1.170  January 1, 2025  1.470
 Republic Fire and Casualty Insurance Company  1.300  October 15, 2007  N/A
 Republic Indemnity Company of America  1.230  January 1, 2016  1.150
 Republic Indemnity Company of California  1.450  January 1, 2016  1.350
 Republic Underwriters Insurance Company  1.350  January 1, 2013  1.600
 Republic-Franklin Insurance Company  1.442  January 1, 2012  1.266
 Repwest Insurance Company  1.280  January 1, 1996  N/A
 Riverport Insurance Company  1.100  January 1, 2022  1.470
 RLI Insurance Company  1.558  January 1, 2025  N/A
 Rochdale Insurance Company  1.850  January 5, 2024  N/A
 Rock Ridge Insurance Company  1.050  March 1, 2007  N/A
 Rockwood Casualty Insurance Company  1.620  July 2, 2015  N/A
 Rural Trust Insurance Company  1.183  January 1, 2026  N/A
 SAFECO Insurance Company of America  0.980  July 1, 1997  1.280
 Safety First Insurance Company  1.540  January 1, 2001  N/A
 Safety National Casualty Corporation  1.340  February 1, 2002  1.220
 Sagamore Insurance Company  1.149  January 1, 2025  1.371
 Samsung Fire & Marine Insurance Co., LTD (US Branch)  1.464  November 1, 2011  N/A
 Scottsdale Indemnity Company  1.966  January 1, 2026  N/A
 SECURA Insurance Company  1.740  January 1, 2025  1.600
 SECURA Supreme Insurance Company  1.310  January 1, 2025  1.200
 Security National Insurance Company  1.300  January 1, 2025  1.230
 Select Insurance Company  1.368  April 1, 2002  1.287
 Selective Insurance Company of America  0.857  January 1, 2026   1.163
 Selective Insurance Company of South Carolina  1.106  January 1, 2026  1.500
 Selective Insurance Company of the Southeast  1.382  January 1, 2026  1.875
 Selective Way Insurance Company  0.774  January 1, 2026  1.050
 Seneca Insurance Company, Inc.  1.384  December 15, 2009  N/A
 Sentinel Insurance Company, Ltd.  1.623  January 1, 2023  1.568
 Sentry Casualty Company  1.347  January 1, 2017  1.323
 Sentry Insurance Company  1.830  January 1, 2023  1.764
 Sentry Select Insurance Company  2.250  January 1, 2023  2.258
 Sequoia Insurance Company  1.100  January 1, 2025  1.257
 Service American Indemnity Company  1.520  January 1, 2022  N/A
 Service Lloyds Insurance Company, a stock company  1.290  January 1, 2023  N/A
 SFM Mutual Insurance Company  1.410  October 1, 2007  N/A
 SFM Select Insurance Company  1.130  January 1, 2021  N/A
 Silver Oak Casualty, Inc.  2.400  January 1, 2024  N/A
 SiriusPoint America Insurance Company  1.420  January 1, 2022  N/A
 Sompo America Fire & Marine Insurance Company  1.027  January 1, 2022  1.036
 Sompo America Insurance Company  1.630  October 1, 2022  1.480
 Southern Insurance Company  1.580  January 1, 2025  1.490
 SPARTA Insurance Company  1.568  September 1, 2010  1.480
 St. Paul Fire and Marine Insurance Company  1.485  January 1, 2008  1.634
 St. Paul Guardian Insurance Company  1.080  January 1, 2008  1.189
 St. Paul Mercury Insurance Company  1.350  January 1, 2008  1.486
 St. Paul Protective Insurance Company  1.755  January 1, 2008  1.932
 Standard Fire Insurance Company, The  0.949  January 1, 2025  1.014
 STAR Insurance Company  1.480  November 15, 2017  1.370
 StarNet Insurance Company  1.550  January 1, 2022  1.620
 Starr Indemnity & Liability Company  1.523  January 1, 2018  1.360
 Starr Specialty Insurance Company  1.305  January 1, 2018  N/A
 StarStone National Insurance Company  1.732  January 1, 2026  1.586
 State Auto Property and Casualty Insurance Company  1.700  January 1, 2024  1.605
 State Automobile Mutual Insurance Company  2.130  January 1, 2024  1.950
 State Farm Fire and Casualty Company  1.532  January 1, 2023  1.410
 State National Insurance Company, Inc.  1.395  March 1, 2011  N/A
 Stonetrust Commercial Insurance Company  1.400  January 1, 2022  N/A
 Stonewood Insurance Company  1.730  January 1, 2023  1.550
 Stonington Insurance Company  1.015  January 1, 2025  0.850
 SummitPoint Insurance Company  1.090  January 1, 2016  N/A
 SUNZ Insurance Company  1.150  January 1, 2026  N/A
 Sutton National Insurance Company  1.760  June 15, 2022  N/A
 Swiss Re Corporate Solutions America Insurance Corporation  1.486  January 1, 2022  1.788
 Swiss Re Corporate Solutions Elite Insurance Corporation  1.115  January 1, 2022  1.740
 Swiss Re Corporate Solutions Premier Insurance Corporation  1.858  January 1, 2022  N/A
 T.H.E. Insurance Company  1.366  January 1, 2019  1.300
 Technology Insurance Company, Inc  1.380  January 1, 2025  1.310
 TIG Insurance Company  1.320  December 1, 2000  1.469
 Titan Indemnity Company  1.080  November 15, 1997  1.193
 Tokio Marine America Insurance Company  1.544  January 1, 2025  1.313
 Trans Pacific Insurance Company  1.313  January 1, 2025  1.544
 Transguard Insurance Company of America, Inc.  1.600  January 1, 2008  1.407
 Transportation Insurance Company  2.688  January 1, 2024  2.376
 Transverse Insurance Company  1.619  May 1, 2023  N/A
 Travelers Casualty and Surety Company  1.356  January 1, 2022  1.449
 Travelers Casualty and Surety Company of America  1.356  January 1, 2025  1.540
 Travelers Casualty Company of Connecticut  0.746  January 1, 2025  1.485
 Travelers Casualty Company, The  1.350  January 1, 2008  1.486
 Travelers Casualty Insurance Company of America  2.441  January 1, 2025  1.309
 Travelers Commercial Insurance Company  1.155  January 1, 1996  N/A
 Travelers Constitution State Insurance Company  1.755  May 21, 2002  1.462
 Travelers Indemnity Company of America, The  1.085  January 1, 2025  1.159
 Travelers Indemnity Company of Connecticut, The  1.559  January 1, 2025  1.594
 Travelers Indemnity Company, The  1.220  January 1, 2025  1.304
 Travelers Property Casualty Company of America  2.170  January 1, 2025  2.169
 Tri-State Insurance Company of Minnesota  1.470  January 1, 2022  1.309
 Triangle Insurance Company, Inc.  1.065  January 1, 2026  1.970
 Trinity Universal Insurance Company  1.225  January 1, 2009  1.294
 Triumphe Casualty Company  3.245  January 1, 2025  2.950
 Truck Insurance Exchange  1.764  January 1, 2026  1.688
 Trumbull Insurance Company  1.036  January 1, 2023  1.001
 Twin City Fire Insurance Company  2.318  January 1, 2023  2.240
 U.S. Specialty Insurance Co.  1.130  April 15, 2000  N/A
 ULLICO Casualty Company  1.316  January 1, 2006  1.351
 Union Insurance Company  1.340  January 1, 2022  1.450
 Union Insurance Company of Providence  1.440  January 1, 2025  1.440
 United Fire & Casualty Company  1.548  January 1, 2026  1.520
 United States Fidelity and Guaranty Company  1.620  September 1, 2009  1.672
 United States Fire Insurance Company  1.642  January 1, 2020  1.485
 United Wisconsin Insurance Company  1.890  January 1, 2025  1.780
 Universal Underwriters Insurance Company  1.720  January 1, 2009  1.187
 Utica Mutual Insurance Company  1.442  January 1, 2012  1.266
 Utica National Assurance Company  1.696  July 1, 2000  1.379
 Valley Forge Insurance Company  1.900  January 1, 2024  1.683
 Vanliner Insurance Company  1.980  January 1, 2025  1.800
 Vigilant Insurance Company  2.490  January 1, 2025  1.773
 Virginia Surety Company, Inc.  1.361  January 1, 2006  1.344
 Wausau Business Insurance Company  1.170  January 1, 2015  1.074
 Wausau General Insurance Company  0.992  January 1, 2013  1.068
 Wausau Underwriters Insurance Company  1.800  January 1, 2015  1.653
 Waypoint Mutual  1.460  January 1, 2025  1.390
 WCF National Insurance Company  1.704  January 1, 2025  1.631
 WCF Select Insurance Company  1.704  January 1, 2025  1.631
 Wellfleet Insurance Company  1.124  January 1, 2025  1.050
 Wellfleet New York Insurance Company  2.202  January 1, 2025  2.055
 Wesco Insurance Company  1.700  January 1, 2025  1.600
 West American Insurance Company  2.150  February 1, 2025  2.360
 West Bend Mutual Insurance Company  1.500  January 1, 2025  1.440
 West River Insurance Company  1.100  April 8, 2025  N/A
 Westchester Fire Insurance Company  1.992  January 1, 2025  1.430
 Western Agricultural Insurance Company  2.167  January 1, 2026  2.246
 Westfield Champion Insurance Company  1.302  July 15, 2021  N/A
 Westfield Insurance Company  1.577  January 1, 2022  1.393
 Westfield National Insurance Company  1.341  January 1, 2022  1.211
 Westfield Premier Insurance Company  2.523  July 15, 2021  N/A
 Westfield Superior Insurance Company  2.034  July 15, 2021  N/A
 Westfield Touchstone Insurance Company  1.058  July 15, 2021  N/A
 Westport Insurance Corporation  1.292  January 1, 2009  N/A
 Williamsburg National Insurance Company  1.631  November 15, 2017  1.510
 Work First Casualty Company  1.704  January 1, 2015  1.539
 XL Insurance America, Inc.  1.093  January 1, 2019  1.058
 XL Specialty Insurance Company  1.366  January 1, 2019  1.322
 Zenith Insurance Company  1.516  March 1, 2011  1.589
 Zurich America Insurance Company of Illinois  1.792  January 1, 2022  1.980
 Zurich American Insurance Company  1.493  January 1, 2022  1.650